Visa Gift Card FAQs

Gift giving just became a little easier. With the Suncoast Visa Gift Card, you can give friends and family money using a prepaid, non-reloadable Visa card. These cards come with a fixed cash amount — determined by the giver at time of purchase — and can be used anywhere Visa is accepted.

Get answers to some common Visa gift card questions.

Are Visa gift cards available for purchase?

Yes! You can buy a Visa gift card in any Suncoast Credit Union service center. Please visit the Visa Gift Card page for more details about cost and where to purchase.

How much money can I put on a Visa gift card?

You can choose a whole dollar increment ranging from $25 to $1,000 for your gift card purchase and choose between two designs (all occasion gift box or snowflake).

Is there a fee for my gift card purchase?

Regardless of the gift card amount, there is one low fee of $3.50 per card.

How do I check the balance on my gift card?

Visit or call 1-866-244-5360.

Can I get cash back from a merchant?

No, cash back is not an option on your gift card.

Where can my gift card be used?

It can be used to make purchases everywhere Visa® debit cards are accepted in the United States.

Should I select debit or credit at the point of sale?

Select credit for signature transactions and debit for point-of-sale transactions using your PIN.

Tips when using your card at:

  • Restaurants, Beauty Salons, Hotels, Car Rental Agencies: It is customary for service-oriented or travel companies to require an available balance over the purchase amount (usually 25%) to ensure sufficient funding for tips or incidental expenses. When you present your gift card as payment, tell the merchant to authorize/charge only the exact amount of funds available on the card (you will need to provide the amount). Advise the merchant that you will use another form of payment (credit or debit card, cash or check) for the tip or remaining balance of your purchase.
  • Gas Stations: Paying at the pump using this card requires a minimum balance of $100. However, only the actual amount spent will be deducted from the card. If your Gift Card balance is less than $100, you can use the card inside the station, as long as the purchase does not exceed the remaining balance.
  • Online Merchants: In order to use this card for merchants who use address verification to authenticate purchases, you must register your card on-line at Login as a Returning Cardholder and follow the instruction to register your card. Your card may not be used at age restricted on-line merchant sites.

What if my purchase is denied?

The card’s available balance is probably less than the purchase amount. Call 866-244-5360 for the remaining balance on the card and use another form of payment to pay the difference, subject to the policy of the merchant.

How are merchandise returns handled?

Each merchant location has its own return policies and will handle the return in the same manner as any other Visa debit card.

Is my gift card a credit card?

No. It is a prepaid Visa card that carries a fixed cash amount determined by the gift card purchaser. Each time you use the card, the purchase amount is deducted from the available balance.

Can my gift card be reloaded?


What happens if my gift card is lost or stolen?

You should immediately report any problems or a lost or stolen card by calling the 24-hour toll-free support line at 866-244-5360. A replacement card will be issued, and any available balance will be transferred to the new card, less the $5.00 lost/stolen fee that will be deducted from your card's available balance (a new card issuance fee may also apply).

Does my gift card have an expiration date?

Yes. The expiration date is 7 years from the manufactured date of the card. The funds on the card will be available until spent or until the date shown on the front of the card, which is at least 5 years from the date the value was loaded.

What happens if there is a balance remaining after my gift card expires?

After the expiration date shown on the front of the card, any remaining funds will no longer be available.

Can my gift card have a negative balance?

Any authorization that is greater that the cards available balance will be declined. However, there can be times when the Visa merchant puts an item through without prior authorization. If and overdraft occurs, you will be required to make a payment to Cardholder Services to cover the negative amount.

Payments should be sent to:

Cardholder Services
P.O. Box 7235
Sioux Falls, SD 57117-7235

How are disputes handed?

Simply call the toll-free customer service number, 866-244-5360, and they will walk you through the process.